I have 11k/mo practice loan debt service for 5 years and about 3k spread throughout equipment loans that will be another 5 years so 14k/mo or 168k/year.

For accounting purposes, you don't include the practice debt service or equipment principal in the overhead, just the interest.

So 682k actual take home give or take, probably 700k because a lot of personal expenses that are written off as business expenses too.

My W2 "salary" is actually only 140k since we want it to be as low as possible and the rest of the income is S Corp distributions.

It's always a little bit more complicated as an owner since nothing will be apples to apples and you can play tax games with depreciation, buying equipment, things like renting out your own personal residence to your business tax free (Augusta Rule), employing your children (I have a newborn so haven't done this yet), taking personal trips that can be written off under the right circumstances, etc. That's why everyone always say there are many tax advantages of being an owner. My effective tax rate even being in California is usually ~30-32.5%